Investment fund details

Despite the existence of a guarantee there are clauses that they condition its effectiveness, that they can consult in the section "guarantee of return" of the brochure. The guarantee would be able to not cover the credit risk of certain assets.

This fund can invest a percentage of 75% in quality cancellation fixed-income securities credit, which is why has a very high credit risk.

The guaranteed objective will just be obtained in the case of maintain the investment to date of maturity of the guarantee.

Indicative term of the investment: This fund can be not suitable for investors that they foresee withdraw its money in a term of before 7 years approximately (before the maturity on 02/11/2023).

Bankia guarantees at the back on maturity (02/11/23) 100% of the initial investment to 20/05/16 or maintained (adjusted by reimbursements/voluntary internal transfers) more a possible annual payment of 0.65% 1st year and 1.30% gross rest years on the initial investment/maintained, through compulsory reimbursements the days 31/10/16, 31/10/17, 31/10/18, 04/11/19, 02/11/20, 02/11/21, 31/10/22, 31/10/23 if the actuarial amount out of the 3 stock (BBVA, Vodafone and Nestlé) exceeds to its initial value. Otherwise the payment will be 0.10% 1st year and 0.20% rest years. Minimum APR 0.20% and maximum 1.31% for subscriptions to 20/05/16 maintained to 11/02/23 if there are no reimbursements/extraordinary internal transfers. Of having you will be able to produce significant erosions.

The APR depends upon when subscription occurs.

The stock belong to different sectors being able to behave different.

Until 20/05/16 and from 03/11/23 invests in fixed income that preserves and stabilises the net asset value.

The gross return estimated of the total of the initial portfolio of fixed income and liquidity, will be upon maturity of the strategy of 6.94%. It would allow, of not materialising other risks, reach the fixed part of the guaranteed profitability objective (100% of the Initial Net asset value) and satisfy the agency fees, deposit and anticipated costs that by 3.73% are estimated for everything the baseline period.

Condition: That the actuarial amount out of the 3 stock (BBVA, Vodafone, Nestlé), in every remark date you, be higher than its respective initial value. If fulfills the condition pay 0.65% 1st year and 1.30% gross years rest, otherwise 0.10% 1st year, 0.20% rest of years. There are 8 dates of remark: October 2016, 2017, 2018, November 2019, 2020, 2021, October 2022, 2023.

Unfavourable stage

Moderate stage

Favourable stage

Number of years in which the condition is fulfilled: none

Number of years in which the condition is fulfilled: none

The condition is fulfilled in the dates of remark from 1 (year 2017), 2 (year 2018) and 3 (year 2019)

VLI = 100 euros

VLI = 100 euros

VLI = 100 euros

Compulsory reimbursements of 0.10% 1st year, 0.20% rest of year

Compulsory reimbursements of 0.10% 1st year, 0.20% rest of year

Compulsory reimbursements on 31/10/2017, 31/10/2018 and 04/11/2019 of 1.30%.

Compulsory reimbursements for on 31/10/2016 of 0.10% and for the dates from 11/02/2020, 02/11/2021, 31/10/2022 and 31/10/2023 will be of 0.20%.

VLI = 100 euros

VLI = 100 euros

VLI = 100 euros

APR on maturity: 0.20%

APR on maturity: 0.20%

APR on maturity: 0.65%

The probability of obtaining an APR of 0.20% is of 64.44%

By 89.84% is estimated the probability of that the return is lower than the indicated one in this stage (with the limit of 0.20% APR)

The return of the presented stages corresponds to simulations made by the Management Company, not existing certainty on its quip. In these simulations the credit risk of the fund's investments has not been considered, nor the counterparty credit risk of the financial derivatives. In the event of materialising these risks participates the will incur in additional losses.

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